It is not the most pleasant employment to spend eight hours a day in a counting house. - Thomas Robert Malthus

The question is, what is saving?

In prosperous times the mercantile classes often realize fortunes, which go far towards securing them against the future; but unfortunately the working classes, though they share in the general prosperity, do not share in it so largely as in the general adversity.

The power of population is so superior to the power in the earth to produce subsistence for man, that premature death must in some shape or other vist the human race.